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Questions & Answers
Submit your P&C insurance coverage-related questions to the FC&S expert staff. You can expect a prompt response. Our policy is to answer inquiries within approximately five business days when at all possible.
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Notice: Information provided by the Ask the Experts service is general in nature and intended for educational and informational purposes. The service does not provide legal advice.
We insure a trucking company whose fleet consists of several trucks with refrigeration equipment. The client specializes in transporting food items…
CGL or BAP Coverage Question If someone trips over a pile of snow left by a snowplowing operation, a claim based on this would be excluded on the GL…
Workers Compensation for Employee on Break I have a question related to a CGL claim. The insured's employee left the building, and was walking to a…
Short-term Rental of Secondary Home Issues I am trying to determine whether the short-term rental of a secondary home compromises coverage in some way…
Power surge blew out four laptop computers. Does artificially generated electrical current exclusion on property cause of loss form prevent coverage for the computers?
Fire Damage to Car from Negligent Battery Replacement Excluded as “Work You Performed”? The insured replaced a battery in a customer's…
What Constitutes “a Short Time”? In definition 4 of "coverage territory" on the CG 00 01 12 04, part c. (2) indicates that coverage…
Dish installed on roof leads to damage that's not discovered until later. What is the date of loss?
Excluded "Backup" or Covered "Overflow" of Plumbing on Homeowners? Our customer is insured under an HO 00 03 05 01. His small son flushed a tennis ball…
Exclusions—Typographic Arrangement Important in Interpreting Policy Language Please help us to resolve a matter of interpretation of homeowners…